However, in hot California markets, if you start throwing a ton of offers out without closing you will quickly create a reputation as a tire "kicker" and not a "closer".

If the lender has a good reputation then you should be safe to move forward. 

It may get there someday, but in the meantime, their useless Zestimates continue to damage their reputation among professionals.

Hanging up plastic to cover unfinished walls in a shower is terrible.

I guess, if you are using a reputable loan broker or banker for such a loan, they are not going to be sharks and are there to help you and educate you along the way.

Yes I used a reputable title company.

SPC will stand up to dents much better (WPC – wood-plastic core / SPC – stone-plastic core).If you need sound dampening, I recommend installing a loose lay with a sound dampening underlayment.

Here is the list in no particular order.New range vent hood - $40-$100New toilet seat - $20-$40Reglaze tub - $300New outlet and switch covers - $.99 eachNew baseboard heater covers - $25-$40QUICK TIP: Leave the stickers or plastic on the items you are replacing (such as the range hood and toilet seat).

Reputable self MLS listing brokerages provide professional guidance, the same or better exposure as traditional agents, and the required forms for $300-500.

If so, do they have a good reputation with them?